Should pickup owners have snow plow insurance when plowing neighbors’ driveways?
Whether a pickup owner needs snow plow insurance when plowing the driveways of neighbors, friends or family members depends largely on whether they’re paid for this work.
If money or payment-in-kind is offered, then the plowing activity could likely be considered commercial work even if the homeowner is an acquaintance. A snow plow policy might be needed in this situation. And, it probably should be purchased if plowing neighbors’ driveways and driveways of customers.
If the pickup owner doesn’t receive compensation in any form, then the plowing would likely be considered a personal favor. Snow plow insurance may not be necessary in this situation, as personal auto insurance likely covers the plowing.
If there’s a question as to whether a snow plow policy is needed, pickup owners can get guidance from an insurance agent who specializes in these policies. A knowledgeable agent will be able to help determine whether a personal auto policy is sufficient.
What coverages are offered by snow plow policies?
Snow plow policies offer a diverse range of coverages. The protections found within these policies frequently include:
- Commercial Auto Coverage: Usually for car accidents that result in injuries and/or property damage. Also may cover vehicles against non-accident damage (e.g. falling objects, animals, theft, etc. injuries and damage from accidents, as well as truck damage from other incidents.
- Commercial Property Coverage: Usually for salters, snowblowers, plows and other equipment owned by the operator or business. May also cover any garages or facilities owned by the business.
- Inland Marine Coverage: Usually for protecting salters, snowblowers, plows and other equipment while being transported to and from customer addresses.
- General Liability Coverage: Usually for common (non-driving) accidents resulting in injuries to others or damage to their property. May also cover defamation.
- Commercial Umbrella Coverage: Usually for expensive lawsuits, providing an additional level of liability protection.
- Business Interruption Coverage: Usually for seasonal revenue losses if a natural disaster prevents plowing over an extended period.
